104.3
Revenue$M
150.2
156.0
162.0
165.5
170.5
179.0
183.1
189.2
202.0
210.1
110.7
4.27%
4.04%
34
24.66
Revenue growth%
8.25
10.62
8.86
11.30
10.88
10.79
11.45
13.83
11.66
10.70
4.67
11.45
10.84
26
18.89
NIM%
9.26
9.47
8.50
9.38
8.42
7.28
6.56
4.93
6.71
9.35
28.55
6.71
8.46
37
26.78
Effic. R.%
20.06
21.39
18.55
15.82
16.30
17.74
16.09
18.96
19.21
17.36
16.13
17.74
18.14
66
19.81
Net margin%
10.05
9.01
10.58
7.59
10.24
8.06
5.21
8.07
5.51
3.62
19.96
5.51
8.07
94
14.94
P/E ratio (avg)x
24.95
22.91
24.65
25.33
23.24
21.70
21.05
22.78
21.86
22.12
12.00
21.86
22.84
88
28.33
P/TBVx
31.89
33.31
37.62
39.92
42.22
46.34
52.48
55.25
56.53
63.05
8.782
55.25
44.28
8
34.74
P/Bx
31.06
33.08
33.72
36.97
36.06
35.69
38.34
39.17
43.49
47.20
19.08
39.17
36.52
36
16.40
NII$M
108.5
113.8
119.1
121.2
124.9
128.6
134.2
137.7
148.2
151.5
45.23
3.93%
3.81%
—
14.81
NII grth%
4.25
3.66
4.51
6.89
5.18
4.67
5.78
2.84
2.05
0.72
29.79
2.84
4.38
87
9.85
ROTE%
22.75
19.92
22.85
23.52
26.44
26.84
25.86
24.76
22.10
22.25
22.38
24.76
23.19
29
22.92
Return on equity%
30.24
30.32
32.53
32.28
34.32
37.12
34.31
34.11
31.94
34.23
13.87
34.23
33.32
80
8.68
Return on assets%
29.23
28.21
25.53
23.30
21.33
20.96
23.14
23.08
23.03
21.83
16.39
23.03
23.11
9
2.70
EPS$
0.98
1.01
1.11
1.20
1.21
1.35
1.36
1.41
1.63
1.88
2.87
9.16%
7.29%
—
19.75
EPS growth%
1.05
0.40
2.06
4.67
7.10
7.44
5.35
7.72
7.12
5.68
4.75
7.12
5.52
10
1.78
Bookvalue per sh$
2.76
3.11
3.42
3.72
4.10
4.72
4.48
4.33
4.60
5.05
2.98
4.26%
5.83%
—
1.68
TBV/sh$
3.28
3.73
4.25
3.98
4.30
4.52
4.73
4.97
4.99
5.38
0.91
4.60%
6.53%
—
2.28
Dividend per sh$
0.58
0.55
0.61
0.66
0.62
0.58
0.57
0.63
0.63
0.61
2.38
(0.38%)
1.03%
—
19.88
Div yield (avg)%
34.67
32.81
35.08
32.23
33.07
35.77
37.71
34.82
34.24
31.89
18.59
34.82
34.46
6
21.66
Payout ratio%
0.40
2.30
0.40
0.48
0.40
0.88
0.40
0.40
0.42
2.94
4.33
0.42
0.41
19
12.64
Shares (diluted)M
15.03
15.18
17.17
18.16
20.34
21.09
22.89
24.25
23.69
24.22
12.03
3.55%
6.14%
10
6.64
Buyback yield%
6.02
6.44
8.89
6.13
3.45
3.87
3.30
3.52
5.44
4.37
13.60
3.87
4.90
15
59.29
Eq/Assets%
51.26
58.80
69.79
79.73
83.43
98.01
116.81
135.40
146.69
173.32
119.85
135.40
90.72
47
85.20
Assets$M
146.6
159.7
175.9
185.0
202.2
220.2
242.2
260.8
290.1
318.0
133.1
9.48%
8.94%
42
38.04
LT debt$M
79.73
76.93
80.25
71.79
74.68
64.63
63.84
61.80
62.76
63.52
155.2
(3.18%)
(3.72%)
20
Total assets
$318.0M
8.94%
1.58×
Revenue
$210.1M
4.04%
1.00×
Non-interest expense
$111.6M
4.15%
1.01×
Net interest income
72.09%
Non-interest income
27.91%